Last month was the four year anniversary of having closed and moved into our home. It’s been great.
With that came the annual responsibility of paying our homeowners insurance premium (we don’t escrow). We do our car and home insurance through Allstate, as having both with the same company saves us money on both policies.
I’ve gotten into a pretty good system where I have this payment set through my online access. It deducts from my bank account and we’re good for another twelve months.
Not this year.
I went in a couple of days before the date of which the payment was due. Having worked with this before with no problems, I figured I’ll keep my money as long as possible. Logically, I know it’s only a couple of pennies in interest that we’re talking about, but still.
Except it wouldn’t let me in.
I had the username and password correct. I keep this in a master list of access codes and the site even confirmed that I was entering it correctly, but it wouldn’t let me in due to some ‘Account Upgrades’ that were taking place in the back end.
Concerned, I called my agent’s office. The nice lady on the phone (who I’ve dealt with many a time) assured me that I have until 10 days after the policy is due to pay it without penalty and that the account access would be restored by then.
What do you think I did? Do you think I said ‘OK’ and hung up, taking my chances that I could pay past the due date.
I cheerfully asked ‘Well, can you just process the payment for me?’
‘Sure’. So I paid over the phone (oh, and with my 1% Citi card so I’ll get 1% of my policy amount back, woo hoo). Ahead of time.
I guess I could trust the insurance company. They’ve never given me reason not to. They’ve always handled every claim I’ve processed quickly and without error. They’ve always worked with me when I had any concerns on pricing. They always handled everything on the up and up. They’ve given me every reason to trust them. I could have.
But I didn’t 🙂
Better safe than sorry, I say, and I certainly slept better that night having exercised those words of wisdom!